The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,856
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,220
−HK$1,386/mo
Today · 4.125%
HK$46,606
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,212/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,789
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,327/mo
Today · 4.125%
HK$51,425
baseline
▲ 0.50% · 4.625%
HK$54,136
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,850/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,627
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,264
−HK$1,663/mo
Today · 4.125%
HK$55,927
baseline
▲ 0.50% · 4.625%
HK$59,330
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,854/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,547
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,117
−HK$1,593/mo
Today · 4.125%
HK$61,710
baseline
▲ 0.50% · 4.625%
HK$64,963
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,420/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,398
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,308
−HK$1,941/mo
Today · 4.125%
HK$65,249
baseline
▲ 0.50% · 4.625%
HK$69,219
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,498/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,305
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,137
−HK$1,858/mo
Today · 4.125%
HK$71,995
baseline
▲ 0.50% · 4.625%
HK$75,790
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,990/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,941
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,396
−HK$2,495/mo
Today · 4.125%
HK$83,891
baseline
▲ 0.50% · 4.625%
HK$88,996
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,782/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,821
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,176
−HK$2,390/mo
Today · 4.125%
HK$92,566
baseline
▲ 0.50% · 4.625%
HK$97,445
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,132/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,235 · Scale 2, in force from 26 Feb 2026)